Baton Rouge, LA · Charter 6339
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.57% | 2.00% | 1.92% | 1.90% | 2.03% | 1.14% | 1.74% | 1.83% | -8 bps | |
| Return on Equity | 12.17% | 9.26% | 9.13% | 8.90% | 9.22% | 5.27% | 7.98% | 8.33% | -57 bps | |
| Net Interest Margin | 4.65% | 4.19% | 4.32% | 4.26% | 4.24% | 3.72% | 3.95% | 3.90% | -36 bps | |
| Efficiency Ratio | 57.82% | 64.95% | 64.44% | 65.29% | 63.40% | 73.36% | 68.19% | 65.84% | +55 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.23% | -2.41% | 1.58% | 3.94% | 3.17% | 5.18% | 1.40% | 2.49% | -146 bps | |
| Loan Growth (YoY) | 2.13% | 4.56% | -0.75% | 3.45% | 2.19% | -2.83% | -6.65% | -7.91% | -1,136 bps | |
| Share Growth (YoY) | -7.41% | -5.65% | -0.21% | 2.92% | 3.08% | 5.13% | 0.40% | 1.91% | -101 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 0.14% | 0.19% | 0.27% | 0.27% | 0.23% | 0.32% | 0.33% | +6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.10% | 21.63% | 21.05% | 21.41% | 21.96% | 21.71% | 21.85% | 21.98% | +57 bps | |
| Net Worth / Assets | 21.10% | 21.63% | 21.05% | 21.41% | 21.96% | 21.71% | 21.85% | 21.98% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.64% | 50.50% | 46.82% | 47.75% | 47.23% | 46.68% | 43.53% | 43.15% | -460 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |